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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,297 | $54,541-64.6% | $78,778-75.5% | $70,126-72.5% |
| Participation rate | 22.0% | 60.8%-38.8pp | 69.2%-47.2pp | 69.5%-47.6pp |
| Annual return | 10.71% | 21.07%-10.4pp | 35.62%-24.9pp | 73.15%-62.4pp |
| Employer contribution / active EE | $415 | $1,089-61.9% | $1,986-79.1% | $2,343-82.3% |
| Participant deferral / active EE | $653 | $2,210-70.5% | $2,958-77.9% | $3,332-80.4% |
| Admin fee / account holder | $4,700 | $3,709+26.7% | $5,134-8.4% | $4,645+1.2% |